Bank Comparison
Cattlemens Bank vs Unity Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Cattlemens Bank | Unity Bank |
|---|---|---|
| CET1 Ratio | — | 11.90% |
| Tier 1 Capital Ratio | — | 11.90% |
| Total Capital Ratio | — | 13.18% |
| Tier 1 Leverage Ratio | 10.00% | 8.49% |
| Equity / Assets | 10.02% | 8.86% |
Profitability
| Metric | Cattlemens Bank | Unity Bank |
|---|---|---|
| Return on Assets (ROA) | 1.16% | 0.04% |
| Return on Equity (ROE) | 12.22% | 0.51% |
| Net Interest Margin (NIM) | 4.05% | 3.78% |
| Yield on Earning Assets | 6.82% | 5.62% |
| Cost of Funds | 3.02% | 1.98% |
Asset quality
| Metric | Cattlemens Bank | Unity Bank |
|---|---|---|
| Texas Ratio | 4.04% | 80.38% |
| Non-Performing Loan Ratio | 0.07% | 11.79% |
| Non-Performing Asset Ratio | 0.08% | 8.93% |
| Net Charge-Off Ratio | -0.01% | 0.81% |
| ACL / Loans | 0.93% | 3.18% |
Balance sheet
| Metric | Cattlemens Bank | Unity Bank |
|---|---|---|
| Total Assets | $587,967K | $587,615K |
| Total Deposits | $455,615K | $516,775K |
| Total Loans | $513,213K | $445,029K |
| Total Equity | $58,916K | $52,057K |
| Net Income (quarter) | $1,713K | $67 |
Liquidity & funding
| Metric | Cattlemens Bank | Unity Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 112.64% | 86.12% |
| Core Deposit Ratio | 88.23% | 94.13% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cattlemens Bank | Unity Bank |
|---|---|---|
| Headquarters City | ALTUS | AUGUSTA |
| Headquarters State | OK | WI |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 16 |
| Employees (FTE) | 72 | 133 |
| Established | Jan. 1, 1910, midnight | Dec. 1, 1914, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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